Calculators
Run the Numbers on Your Own Situation
Four free calculators built for the planning conversations we have most often. Each one takes a few minutes, gives you a clear number, and offers a free professional review if you want one. No login, no email gate to see results — just enter, calculate, and decide what to do next.
Life Insurance Need
Use the DIME method (Debt, Income, Mortgage, Education) to size the coverage your family actually needs.
Medicare Annual Cost
Estimate your annual Medicare cost based on plan choice, income (IRMAA), prescriptions, and doctor visits.
Retirement Gap
Project your nest egg at retirement and see the gap vs your target using the 4% safe-withdrawal rule.
Debt-Free Timeline
See exactly when you'll be debt-free using snowball or avalanche method, plus total interest paid.
Which one to start with
- Supporting a family or paying a mortgage? Start with Life Insurance Need.
- Turning 65 or reviewing your plan this fall? Start with Medicare Annual Cost.
- Saving for retirement? Start with Retirement Gap.
- Carrying credit cards or loans? Start with Debt-Free Timeline.
Common questions
Are the calculators accurate?
They give a good ballpark using standard assumptions. Your real numbers depend on your health, taxes, rates, and the products you choose, so treat each result as a starting point.
Do I have to give my email to see results?
No. Your result shows on the page as soon as you enter your numbers. Sending it to our team is optional.
Can I talk to someone about my results?
Yes. Each calculator has an option to send your numbers to our team. We will review the assumptions with you and explain what they mean for you.
Need a full review instead? Each calculator includes a free no-obligation review option at the bottom — send your result to our team and we'll walk through whether the assumptions fit your actual situation.
Educational tools only. Not financial, tax, or legal advice. Estimates use standard assumptions and may not reflect your specific situation. Talk to a licensed professional before acting on calculator results.